Dental supplement insurance comparison: Overview of benefits and tariff details
Fast to the goal:
For many, dental health is high on the list of priorities – as shown by a recent survey by the statistic portal Statista. Accordingly, 2017 had around 32 percent the respondent such insurance. Another 30 percent said they could introduce dental insurance.
One reason for this is certainly that dentist treatments are often really expensive. In particular, dentures have their price. Only a dental insurance protects against these high costs. However, the tariffs differ enormously. So get an overview of benefits and tariff details to get extra dental insurance suitable scope of services Find.
Why is a dental insurance useful??
The statutory health insurance does not take many treatments or only to a small extent. For example, with dentures, you only get half the cost of a very appropriate therapy, the standard care, refunded. So you pay a special contribution even without special requests. If extras such as a less visible ceramic filling instead of a simple amalgam filling are added, you have to bear these extra costs. Unless you have completed a dental insurance: with the right rate, you save a lot of money and get the best possible treatment for your teeth.
Benefits of supplementary dental insurance
There are numerous providers of dental insurance and many different tariffs. Each insurer has its own portfolio of dental insurance – from the basic package, which, for example, only takes over the professional cleaning of teeth, to the all-round protection, which also pays for dentures and fillings.
Supplementary dental insurance is divided into three components:
Dental treatment: Surgery in which the tooth is preserved, for example, dental fillings. However, inlays, high-quality fillings for a larger hole, count as dental prostheses and not as a component of dental treatment.
Dentures: Procedures in which parts or whole teeth are replaced with crowns, bridges, implants, inlays or prostheses.
Tip: Are you out of your teenage age and need braces? Then it is usually expensive. Supplementary insurances only pay under certain conditions. Find out in our guide who takes the cost of a braces for adults.
Calculation example – what pays a dental insurance?
Supplementary insurances increase the performance of the statutory health insurance up to a certain percentage. As a rule, this reduces your own contribution. Some treatments even take the insurance completely. For very expensive procedures, for example, the use of an implant, but almost always own contribution. Powerful tariffs take over here about 80-90 percent (including the cash share), so you have to pay only the remaining 10-20 percent – this is a big financial relief, as the example illustrates.
sample calculation: A cash patient beats a tooth in a bicycle crash – a denture is needed. There are two options: either the standard treatment with a simple, often visible bridge or a higher-quality implant treatment. The health insurance pays for both variants the same share (50 percent of the standard care). The supplementary dental insurance takes over or reduces the own contribution. Caution: The amount of the reimbursement is exemplary for a high-performance tariff, which takes over 90 per cent incl.
|costs||1000 Euro||2800 euros|
|Share health insurance||500 euro||500 euro|
|own contribution||500 euro||2300 euros|
|Supplementary dental insurance pays||500 euro||2020 euros|
|Own contribution with additional insurance||0 euros||280 euros|
Some policies advertise that they are the fixed subsidy of the statutory health insurance only double. However, the calculation example makes it clear that you would still be sitting on a large part of the costs, namely 1,800 euros, for a higher-quality treatment!
These are important fare details
Insurers usually formulate maximum limits for their services. Either in the form of percentages and / or annual maximum amounts. Therefore, check the costs of dentures, dental prophylaxis, and dental care. The following applies: A high reimbursement of dentures, for example 80 to 90 percent (including GKV share) is particularly important. Because here are the treatments most expensive.
Insurers usually set a waiting period for a dental supplement insurance several months firmly. You will receive benefits only after expiration of this period. This ensures that patients do not quickly complete additional dental insurance before treatment. Often the waiting time depends on the type of treatment required. How crucial the waiting time is for you depends not least on the condition of your teeth. If you can say with relative certainty that nothing is due next year, a waiting period with good scope of service is usually acceptable.
Make sure that you receive high benefits in the first few years. Often, however, the protection is just in the Start time of the insurance cover staggered. For example, there is a maximum of 900 euros for dentures in the first year and 1,800 euros in the second. The higher the benefits from the beginning, the better for you. At the end of the first years of insurance, no further graduations should apply.
Dentures are often not unlimited in coverage, but limited to, for example, five implants. Better is a tariff that unrestrictedly or a very high number of, for example, twelve implants reimbursed.
What role does your age play??
To use a dental supplement insurance comparison, you must specify your age. The reason: The age of the policyholder influences not only the condition of the teeth significantly the Amount of the contribution. After all, the risk increases with age that costly dental treatments occur. Insurers therefore offer two options: tariffs with or without age provisions. With a supplementary dental insurance with retirement provision, you pay higher amounts from the beginning, so that the costs do not increase so much later. Part of the insurance premium is then saved. Rates without retirement provisions are cheaper – but you pay more as you get older.
Tip: Because you have a tariff without age provisions you should pay more from the beginning. Because insurers adjust their conditions regularly – a tariff change is often worthwhile.
For whom is it worth a dental insurance?
A dental insurance is worthwhile basically for everyone. And that first regardless of the condition of the teeth. For even those who have strong and healthy teeth, only has to fall over unhappy with the bike and need dentures – without additional insurance that goes pretty well into the money. In addition, nobody can predict which dental problems will come to you in old age. For a dental insurance also speaks that higher quality treatments, such as implants, often make sense. And everything that exceeds the standard therapy, only takes a dental insurance.
Ongoing and recommended treatments
Are you already being treated or have you been recommended for a specific procedure? Most insurers do not pay anymore. The few tariffs that make even with recommendation or ongoing treatment are quite expensive and restrict your payments, for example, to the doubling of the health insurance share. Therefore, calculate exactly whether the degree is really worthwhile.
In addition, the dental supplement is especially worthwhile if you already problems had with their teeth and were in treatment frequently. The odds are then high that you benefit from a dental insurance. It is best to use a dental supplement insurance comparison to find a suitable rate. This shows you to which amount dentures, dental treatments and prophylaxis are taken over.
4 questions – 4 answers
Is it worth to have a dental supplement insurance only for a dental cleaning?
No, that is worthwhile in the least cases. Your expenses are usually higher than the insurance benefits if you take extra dental insurance to take over the professional dental cleaning. However, this only applies if you do not take any further services.
Pay a dental insurance if it is too late?
Supplementary insurances insure risks – they therefore do not provide for ongoing or advised treatments, that is, if it is already too late. However, there is one exception: a tariff of ERGO Direkt, which pays if the treatment is already running or you have the treatment plan. However, this insurance works differently than traditional rates in many ways. more.
I need a dental supplement insurance for a root canal treatment?
The statutory health insurance usually cover the costs for root canal treatments. However, the doctor must classify the tooth as worth preserving. The treatment must also have good chances of success. If not, you will have to pay the cost of a root canal treatment yourself. Then a dental insurance would be useful. Alternatively, you can only have the tooth pulled over the health insurance. There may also be extra costs for rooting through special materials or files that only take on supplementary insurance.
Pays dental supplemental insurance for general anesthesia?
That depends entirely on the tariff. Some supplemental dental insurance, while others do not. The assumption of general anesthesia is not a standard benefit. Therefore, you should clarify when and at what level the insurance company will reimburse general anesthesia before you take out insurance. By the way: If it concerns a larger and more complicated intervention, the statutory health insurance funds – in exceptional cases also with anxiety patients, who can prove their heavy dentist phobia, the so-called dental phobia.
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